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Joyce Kuhlman is an accomplished accounting professional with extensive experience in financial management. Currently, Joyce serves as a Senior Accountant at The Union Bank Company since December 2019, focusing on the preparation of Allowance for Loan Loss, SEC Financial Reporting, External Audit Coordination/SOX 404, and GL integration. Prior to this role, Joyce worked as an Accounting Manager at First Federal Bank of the Midwest from October 1998 to December 2019. Joyce began their career as a Controller/Credit Analyst at The Ohio Bank and previously held the position of Financial Analyst at Dayton Power and Light. Joyce holds a Bachelor of Science in Business Administration with a concentration in Finance from Bowling Green State University.